Accident Protection

BENEFIT INSURANCE POLICY

Accidents happen—a lot. When facing an unexpected accidental injury, many of us assume our major medical insurance will cover related expenses. Unfortunately, even the best health insurance policies will likely leave us with out-of-pocket expenses, including deductibles, copays, childcare expenses or lost wages. What if you and your family could have a helpful safety net in case of a situation like this? State Mutual accident-protection policies are specifically designed to offset these extra out-of-pocket expenses when an accident occurs.

Cancer

LUMP SUM BENEFIT POLICY

Cancer is one of the most common major illnesses that we face in America. Most of us know a friend or family member who has been impacted. Unfortunately, the heavy physical toll of cancer comes with a substantial financial burden, too. Major medical insurance covers much of the necessary medical care costs associated with various cancers, but there are also significant out-of-pocket expenses such as coinsurance, deductibles, lost wages, childcare costs and increased transportation expenses – which a cancer lump sum policy from State Mutual can help cover.

Heart Attack and Stroke

LUMP SUM BENEFIT POLICY

Like cancer, heart attacks and strokes are common major illnesses, particularly as we grow older. If you experience a cardiovascular illness, your major medical insurance likely will not cover significant out-of-pocket expenses such as coinsurance, deductibles, lost wages, childcare costs and increased transportation expenses.

State Mutual offers policies* designed to provide a safety net for these additional, unplanned expenses. Our policies* pay you directly if you or any other covered individual in your family experiences a heart attack or stroke.

Chronic Disease

LUMP SUM BENEFIT POLICY

If you suffer from a chronic illness, your standard healthcare policy may not cover out-of-pocket expenses related to your primary physician, specialists, and numerous medications. No matter how well your care is coordinated, many costs simply fall through the cracks and may not be covered by primary insurance. State Mutual offers protection to guard against these unforeseen costs – and peace of mind to allow you to focus on getting better.

Hospital Confinement

LUMP SUM BENEFIT POLICY

No one wants or expects an accident or injury requiring a hospital stay. If the unexpected does occur, most of us assume our major medical insurance will take care of expenses related to our hospital confinement. Unfortunately, no matter how brief the stay, even the best health insurance policies will likely leave us with extra out-of-pocket expenses. Add to that the often-overlooked costs of transportation, meals, lodging, childcare or lost wages.

Are you and your family prepared? State Mutual removes the guesswork and provides supplemental protection policies that pay a lump sum to ease the burden of uncovered, surprise costs related to your hospital stay.

Nursing Home and Home Health Care

In the event that you can’t perform at least two of six activities of standard daily living, this policy provides an affordable alternative to long-term care insurance. There are many reasons you could require extended care services during your life, including recovery from a surgery, serious illness or accident. This policy pays in addition to Medicare or major medical insurance and can provide benefits for up to a year to help you focus on a full recovery.

Disclaimer: Not all of our products are available in all states. The plans have exclusions, limitations and terms under which the plan may be continued in force. Availability, features, benefits and options may vary by state.